A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
Legal claims defining the scope of protection, as filed with the USPTO.
2. The system of claim 1, wherein the predetermined value is zero dollars.
6. The system of claim 3, wherein the grace period allotment is a predetermined value.
8. The system of claim 1, wherein the processor determines the grace period based on the account balance.
12. The system of claim 11, wherein the predetermined value is zero dollars.
14. The system of claim 13, wherein the first processor is configured to set the grace period allotment.
15. The system of claim 13, wherein the first processor is further configured to sell the grace period allotment to the user.
16. The system of claim 13, wherein the grace period allotment is a predetermined value.
18. The system of claim 11, wherein the first processor determines the grace period based on the account balance.
19. The system of claim 18, wherein the first processor reduces the grace period if the account balance is less than a threshold value, the threshold value being lower than the predetermined value.
20. The system of claim 19, wherein the threshold value is negative five dollars.
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May 7, 2021
January 9, 2024
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